Temporary Overdraft

Essentials

14.09% p.a. variable interest rate

A temporary personal overdraft is an unsecured loan (up to an agreed limit) that forms part of your everyday Westpac Choice bank account balance to help cover short-term financial shortfalls for up to 45 days.

Temporary overdrafts – from $250 to $50,000

Only pay interest on funds used (when fees and charges are paid on time)

Being linked to your Westpac Choice bank account means you have multiple ways to access funds, even with a Westpac Debit MasterCard®

Temporary overdraft interest rate - 14.09% p.a. variable

Pay interest only on the money you use, when fees and charges are paid on time

No security required for a temporary overdraft

$0 service fee when you spend within the agreed temporary overdraft limits and repay on time (other fees may apply).

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Things you should know

Variable rate may change without notice. Conditions, fees and lending criteria apply. Details available on request.

Other fees and charges apply as set out in the terms and conditions for your linked account. These fees may be related to the way you access your funds through your linked account or because of the impact on that account of your not meeting the overdraft terms and conditions. Fees may change.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

World MasterCard®, MasterCard® and the MasterCard brand mark are registered trademarks, and PayPass is a trademark of MasterCard International Incorporated.

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.